Silicon reports the government financial services watchdog has hit out at consumers for failing to bank "responsibly" on the internet - and said banks must do more to help them learn safer online banking habits.
The remarks come as research from the Financial Services Authority (FSA) found consumer confidence in online banking is "fragile".
Half of the 1500 respondents surveyed by the FSA said they were "very" or "extremely" concerned about the potential fraud that could occur through an online transaction.
Most respondents who bank online said they had installed some security software on their computers but more than a quarter could not say when they last updated it.
Nearly all users (95 per cent) surveyed said at least some security responsibility should lie with the bank, while 45 per cent said banks should take sole responsibility.